Athens Area

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$49.4M

100^th percentile

Members

2,966

84^th percentile

Total loans

$16.7M

82^th percentile

Total shares

$42.4M

99^th percentile

Profitability

Return on assets

1.45%

77^th percentile

Net interest margin

3.09%

22^th percentile

Efficiency ratio

49.38%

84^th percentile

Non-interest income ratio

9.04%

49^th percentile

Capital & Risk

Net worth ratio

12.86%

36^th percentile

Delinquency rate

0.69%

51^th percentile

Net charge-off rate

-0.06%

95^th percentile

Loan-to-share

39.28%

21^th percentile

Growth

Member growth YoY

-0.24%

64^th percentile

Asset growth YoY

7.66%

86^th percentile

Loan growth YoY

-4.28%

45^th percentile

Share growth YoY

5.87%

80^th percentile

Operations

Members / branch

2,966

92^th percentile

Assets / member

$16,650

90^th percentile

Field of membership penetration

74.15%

88^th percentile

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